Transaction card security device

ABSTRACT

An example transaction card may include a sensor to measure movement of the transaction card and one or more processors to monitor the movement of the transaction card via the sensor during a tracking period; determine measurements of a gait of a user during the tracking period from the movement of the transaction card during the tracking period; compare the measurements of the gait of the user during the tracking period and a gait signature associated with the transaction card; and/or perform an action associated with the transaction card based on a result of comparing the measurements of the gait of the user during the tracking period and the gait signature.

BACKGROUND

Transaction cards (e.g., access cards, credit cards, debit cards, giftcards, automated teller machine (ATM) cards, rewards cards, clientloyalty cards, and/or the like) and/or devices may be used intransactions to access secure areas, pay for goods or services attransaction terminals (e.g., point of sale (PoS) terminals) ofindividuals or businesses engaged in the sale of goods or services,redeem loyalty rewards or credits, withdraw or deposit cash, and/or thelike. Transaction cards may be associated with security keys of users,accounts of users, and/or the like, and, thus, may be used to verify anidentity of users when engaging in transactions.

SUMMARY

According to some implementations, a transaction card may include asensor to measure movement of the transaction card and one or moreprocessors to monitor the movement of the transaction card via thesensor during a tracking period; determine measurements of a gait of auser during the tracking period from the movement of the transactioncard during the tracking period; compare the measurements of the gait ofthe user during the tracking period and a gait signature associated withthe transaction card; and/or perform an action associated with thetransaction card based on a result of comparing the measurements of thegait of the user during the tracking period and the gait signature.

According to some implementations, a non-transitory computer-readablemedium may store instructions that, when executed by one or moreprocessors, cause the one or more processors to obtain a gait signatureassociated with a transaction card; monitor movement of the transactioncard via a sensor of the transaction card during a tracking period;determine measurements of a gait of a user during the tracking periodfrom the movement of the transaction card; compare the measurements ofthe gait of the user and the gait signature associated with thetransaction card; and/or perform an action associated with thetransaction card based on a result of comparing the measurements of thegait of the user of the tracking period and the gait signature.

According to some implementations, a method may include monitoringmovement of a transaction card via a sensor of the device during atracking period; determining measurements of a gait of a user during thetracking period from the movement of the transaction card during thetracking period; comparing the measurements of the gait of the userduring the tracking period and a gait signature associated with thetransaction card; determining that the measurements of the gait of theuser during the tracking period do not satisfy a threshold variation ofthe gait signature; and/or disabling a function of the transaction cardbased on determining that the measurements of the gait of the userduring the tracking period do not satisfy the threshold variation of thegait signature.

BRIEF DESCRIPTION OF THE DRAWINGS

FIGS. 1A-1C are diagrams of an overview of an example implementationdescribed herein;

FIG. 2 is a diagram of an example environment in which systems and/ormethods, described herein, may be implemented;

FIG. 3 is a diagram of example components of one or more devices of FIG.2; and

FIG. 4 is a flow chart of an example process for providing securityassociated with a transaction card.

DETAILED DESCRIPTION

The following detailed description of example implementations refers tothe accompanying drawings. The same reference numbers in differentdrawings may identify the same or similar elements.

Transaction cards have many uses for employees, agents, consumers,businesses, and/or the like. For example, users may use transactioncards (or other similar devices) to access one or more secure areas(e.g., geographical locations, parking lots, buildings, rooms ofbuildings, transportation terminals, hotel rooms, campuses, venues,and/or the like), to pay for goods and/or services, to redeem rewardsassociated with an entity, to withdraw and/or deposit cash, and/or thelike. In many instances, a transaction card may be lost or stolen,resulting in the transaction card being in the possession of anunauthorized user. Accordingly, the unauthorized user may fraudulentlyenter into transactions using the lost or stolen transaction card,enabling the unauthorized user to gain unauthorized access to secureareas, fraudulently pay for goods or services, fraudulently redeemrewards, fraudulently withdraw cash, and/or the like.

According to some implementations, described herein, a transaction cardmay include a security device to determine that the transaction card isin the possession of an authorized user or unauthorized user. Forexample, the transaction card may activate and/or deactivate one or morefunctions of the transaction card based on measurements of a gait of anindividual possessing the transaction card. Accordingly, the transactioncard may use one or more gait signatures associated with one or moreauthorized users of the transaction card to determine whethermeasurements of a gait of a user determined from measured movement ofthe transaction card indicates that the transaction card is or is not inthe possession of the one or more authorized users. As such, thetransaction card may determine whether an authorized user or anunauthorized user is in possession of the transaction card and enable ordisable one or more functions of the transaction card accordingly. Forexample, the transaction card may disable the transaction card's abilityto engage in a transaction if the transaction card determines that anunauthorized user is in possession of the transaction card or enable thetransaction card's ability to engage in a transaction if the transactioncard determines that an authorized user is in possession of thetransaction card.

Some implementations, described herein, provide a transaction card (ortransaction device) that ensures authorized use of the transaction cardto engage in transactions. As such, the transaction card may preventunauthorized users from accessing secure areas, accessing secureinformation, engaging in fraudulent financial transactions, and/or thelike. Furthermore, some implementations herein may conserve resources(e.g., business resources, financial institution resources, computingresources, network resources, and/or the like) that may be involved incorrecting or accounting for fraudulent activity (e.g., providingrefunds, identifying the fraudulent user, and/or the like) that isprevented using example implementations described herein.

FIGS. 1A-1C are diagrams of an overview of an example implementation 100described herein. In example implementation 100 of FIGS. 1A-1C, atransaction card (e.g., via a security device) performs a process todetermine whether the transaction card is in the possession of anauthorized user or an unauthorized user according to someimplementations described herein. In FIGS. 1A-1C, the transaction cardis monitored, tracked, and/or controlled based on a measured gait of anauthorized user.

As shown in FIG. 1A, and by reference number 110, an authorized usercarries a transaction card that includes a sensor for measuring movementof the transaction card. For example, the sensor may include anaccelerometer, a gyroscope, a force sensor, a strain gauge, aninclinometer, a goniometer, a microphone, and/or the like that measuresa change in orientation, position, rotation, altitude, and/or the likeof the transaction card over time. As shown by reference number 120, thetransaction card provides the sensor measurements to a gait signaturegenerator. For example, the transaction card may send the sensormeasurements via a communication link to the gait signature generator.In some implementations, the transaction card may send the sensormeasurements during a calibration period corresponding to a period oftime during which the sensor measurements are obtained to determine agait of the authorized user. In some implementations, the gait signaturegenerator may be included within the transaction card. As shown byreference number 130 of FIG. 1A, the gait signature generator generatesa gait signature representative of a gait of the authorized user basedon measured movement of the transaction card.

As shown in FIG. 1B, and by reference number 140, the gait signaturegenerator provides the gait signature representative of the gait of theauthorized user (e.g., during the calibration period) to the transactioncard. In example implementation 100, as shown by reference number 150,the transaction card determines measurements of a gait of a user (e.g.,an individual in possession of the transaction card) and compares themeasurements and the gait signature to determine whether the user is anauthorized user of the transaction card. For example, measurements ofthe gait of the user may be taken during a tracking period correspondingto a period of time during which an identity of the user of thetransaction card is to be determined or verified.

As shown in FIG. 1C, and by reference number 160, the transaction carddetermines that the measurements of the gait of the user match the gaitsignature, indicating (or verifying) the user carrying the transactioncard is an authorized user. For example, the measurements of the gait ofthe user may match or substantially match one or more gait signatures(e.g., within a threshold variation of the one or more gait signatures)representative of the authorized user. As shown by reference number 170,the transaction card is able to unlock a gate, granting the authorizeduser access to a secure area.

As further shown in FIG. 1C, and by reference number 180, thetransaction card determines measurements of the gait of the user do notmatch the gait signature, indicating that the user carrying thetransaction card is an unauthorized user. As such, the transaction cardis unable to unlock the gate, preventing the unauthorized user fromentering the secure area, as shown by reference number 190.

Accordingly, the transaction card of the example implementation 100 mayallow or disallow the transaction card from being used to access asecure area (i.e., engage in a transaction to enter a secure area) basedon a measured gait of an authorized user (and corresponding gaitsignature) and a measured gait of the user attempting to enter thesecure area. Therefore, the transaction card may ensure the secure arearemains secure and prevent potential harm to items, individuals, orproperty of an entity associated with the secure area.

As indicated above, FIGS. 1A-1C are provided merely as an example. Otherexamples are possible and may differ from what was described with regardto FIGS. 1A-1C. For example, the transaction card may allow or disallowthe transaction card from processing a financial transaction (e.g., apayment transaction, a rewards redemption transaction, a cash withdrawaltransaction, and/or the like) in a similar manner as allowing ordisallowing access to a secure area as described in exampleimplementation 100 of FIGS. 1A-1C.

FIG. 2 is a diagram of an example environment in which systems and/ormethods, described herein, may be implemented. As shown in FIG. 2,environment 200 may include a transaction card 210, a transactionterminal 220, a user device 230, a network 240, and a transactionbackend 250. In environment 200, transaction card 210, transactionterminal 220, and/or user device 230 may communicate data, between oneanother, that is associated with or related to a transaction withtransaction terminal 220, which facilitates processing the transactionthrough communication with transaction backend 250 via network 240.Devices of environment 200 may interconnect via wired connections,wireless connections, or a combination of wired and wirelessconnections.

Transaction card 210 includes a device (e.g., a smart transaction card,a fob, a user device, etc.), and/or the like) capable of facilitatingtransactions (e.g., a security access transaction, a financialtransaction, and/or the like). According to some implementations,transaction card 210 may be capable of communicating with the componentsof environment 200. For example, in FIG. 2, transaction card 210 iscapable of communicating with transaction terminal 220 to facilitateprocessing a transaction, with user device 230 (e.g., to communicatewith transaction backend 250 via network 240), and/or with network 240.For example, transaction card 210 may communicate data including atransaction token, transaction card identification information (e.g., anaccount identifier, a user identifier, and/or the like), security accessinformation, account information, financial information, transactioninformation (e.g., information associated with transaction terminal 220or information associated with an entity associated with transactionterminal 220, such as a business or individual), and/or the like.According to some implementations, to communicate the data, transactioncard 210 may include a magnetic strip, an integrated circuit (IC) chip(e.g., a EUROPAY®, MASTERCARD®, VISA® (EMV) chip), a radio frequency(RF) antenna (e.g., an active RF antenna, a passive RF antenna, and/or abattery-assisted RF antenna) and/or other wireless communicationinterface (e.g., via Bluetooth communication, Bluetooth low energy (BLE)communication, Wi-Fi communication, a near frequency communication (NFC)session, and/or the like). Accordingly, transaction card 210 may includesmart technology that enables communication with the components ofenvironment 200 and/or processing of information from the components ofenvironment 200.

In some implementations, transaction card 210 may include sensors ordevices that measure characteristics (e.g., orientation, position,rotation, altitude, and/or the like) of movement of transaction card210. Accordingly, the sensors may generate and/or provide informationand/or data associated with the movement of transaction card 210. Suchinformation and/or data can be stored as data representative of movementof transaction card 210 and/or representative of a gait of a user.

Transaction terminal 220 includes one or more devices capable ofreceiving, generating, storing, processing, and/or providing informationassociated with processing a transaction (e.g., a security transaction,a point of sale (PoS) transaction, and/or the like). For example,transaction terminal 220 may include a communication device and/orcomputing device capable of receiving data from transaction card 210 andprocessing a transaction based on the data. In some implementations,transaction terminal 220 may include a desktop computer, a laptopcomputer, a tablet computer, a handheld computer, and/or a mobile phone(e.g., a smartphone, a radiotelephone, and/or the like). Transactionterminal 220 may be owned and/or operated by one or more individuals orbusinesses engaged in securing secure areas and/or providing securitysystems to secure areas. In some implementations, transaction terminal220 may be owned and/or operated by one or more individuals orbusinesses engaged in a sale of goods or services (e.g., one or moremerchants, vendors, service providers, and/or the like). In someimplementations, after an interaction with transaction card 210,transaction terminal 220 may provide or indicate transaction informationassociated with a transaction to transaction backend 250.

Transaction terminal 220 includes one or more devices to facilitateprocessing a transaction via transaction card 210. Transaction terminal220 may include a security access terminal, a PoS terminal, an ATMterminal, and/or the like. Transaction terminal 220 may include one ormore input devices and/or output devices to facilitate obtainingtransaction card data from transaction card 210 and/or from aninteraction via a user of transaction card 210. Example input devices oftransaction terminal 220 may include a number keypad, a touchscreen, amagnetic strip reader, a chip reader, and/or an RF signal reader. Amagnetic strip reader of transaction terminal 220 may receivetransaction card data as a magnetic strip of transaction card 210 isswiped along the magnetic strip reader. A chip reader of transactionterminal 220 may receive transaction card data from an IC chip (e.g., anEMV chip) of transaction card 210 when the chip is placed in contactwith the chip reader. An RF signal reader of transaction terminal 220may enable contactless transactions from transaction card 210 byobtaining transaction card data wirelessly from transaction card 210 astransaction card 210 comes within a range of transaction terminal 220.As such, the RF signal reader may detect an RF signal from an RF antennaof transaction card 210. Example output devices of transaction terminal220 may include a display device, a speaker, a printer, and/or the like.

User device 230 includes one or more devices capable of receiving,generating, storing, processing, and/or providing information associatedwith facilitating a transaction in accordance with some implementationsherein. For example, user device 230 may include a communication and/orcomputing device, such as a mobile phone (e.g., a smartphone, aradiotelephone, and/or the like), a laptop computer, a tablet computer,a handheld computer, a gaming device, a wearable communication device(e.g., a smart wristwatch, a pair of smart eyeglasses, and/or the like),or a similar type of device. In some implementations, user device 230may be programmed to perform some or all of the functions described asbeing performed by transaction card 210. In this case, user device 230may function as a virtual transaction card.

Network 240 includes one or more wired and/or wireless networks. Forexample, network 240 may include a cellular network (e.g., a long-termevolution (LTE) network, a code division multiple access (CDMA) network,a 3G network, a 4G network, a 5G network, another type of nextgeneration network, and/or the like), a public land mobile network(PLMN), a local area network (LAN), a wide area network (WAN), ametropolitan area network (MAN), a telephone network (e.g., the PublicSwitched Telephone Network (PSTN)), a private network, an ad hocnetwork, an intranet, the Internet, a fiber optic-based network, a cloudcomputing network, and/or the like, and/or a combination of these orother types of networks.

Transaction backend 250 includes one or more devices (e.g., one or morecloud-based devices, one or more data center devices, and/or the like)capable of authorizing and/or facilitating a transaction. For example,transaction backend 250 may include one or more server devices to storeand/or provide information (e.g., authorizations, balances, transactiontokens, security information, account information, and/or the like)associated with processing a transaction via transaction terminal 220.

In some implementations, transaction backend 250 may include one or moredevices associated with providing security access to one or more secureareas (e.g., geographical locations, parking lots, buildings, rooms ofbuildings, transportation terminals, hotel rooms, campuses, venues,and/or the like). For example, transaction backend 250 may include oneor more devices of one or more security services and/or securityentities that may control access (e.g., via transaction terminal 220) tothe secure areas. Accordingly, the one or more security services and/orsecurity entities may issue transaction card 210 to enable a user (e.g.,an authorized user) to access a secure area by causing transaction card210 to interact with transaction terminal 220.

In some implementations, transaction backend 250 may include one or moredevices associated with financial institutions (e.g., banks, creditunions, and/or the like) and/or transaction card associations thatauthorize the transaction and/or facilitate a transfer of funds orpayments between an account of a user of transaction card 210 and anaccount of an individual or business of transaction terminal 220. Forexample, transaction backend 250 may include one or more devices of oneor more issuing financial institutions associated with transaction card210, one or more devices of one or more acquiring financial institutions(or merchant banks) associated with transaction terminal 220, and/or oneor more devices associated with one or more card associations (e.g.,VISA®, MASTERCARD®, and/or the like) associated with transaction card210. Accordingly, in response to receiving transaction card dataassociated with transaction card 210 from transaction terminal 220,various financial institutions and/or card associations of transactionbackend 250 may communicate to authorize the transaction and/or transferof funds between the accounts associated with transaction card 210and/or transaction terminal 220.

The number and arrangement of devices and networks shown in FIG. 2 areprovided as an example. In practice, there may be additional devicesand/or networks, fewer devices and/or networks, different devices and/ornetworks, or differently arranged devices and/or networks than thoseshown in FIG. 2. Furthermore, two or more devices shown in FIG. 2 may beimplemented within a single device, or a single device shown in FIG. 2may be implemented as multiple, distributed devices. Additionally, oralternatively, a set of devices (e.g., one or more devices) ofenvironment 200 may perform one or more functions described as beingperformed by another set of devices of environment 200.

FIG. 3 is a diagram of example components of a device 300. Device 300may correspond to transaction card 210, transaction terminal 220, userdevice 230, and/or transaction backend 250. In some implementations,transaction card 210, transaction terminal 220, user device 230, and/ortransaction backend 250 may include one or more devices 300 and/or oneor more components of device 300. As shown in FIG. 3, device 300 mayinclude a bus 310, a processor 320, a memory 330, a storage component340, an input component 350, an output component 360, and acommunication interface 370.

Bus 310 includes a component that permits communication among thecomponents of device 300. Processor 320 is implemented in hardware,firmware, or a combination of hardware and software. Processor 320 is acentral processing unit (CPU), a graphics processing unit (GPU), anaccelerated processing unit (APU), a microprocessor, a microcontroller,a digital signal processor (DSP), a field-programmable gate array(FPGA), an application-specific integrated circuit (ASIC), or anothertype of processing component. In some implementations, processor 320includes one or more processors capable of being programmed to perform afunction. Memory 330 includes a random access memory (RAM), a read onlymemory (ROM), and/or another type of dynamic or static storage device(e.g., a flash memory, a magnetic memory, and/or an optical memory) thatstores information and/or instructions for use by processor 320.

Storage component 340 stores information and/or software related to theoperation and use of device 300. For example, storage component 340 mayinclude a hard disk (e.g., a magnetic disk, an optical disk, amagneto-optic disk, and/or a solid state disk), a compact disc (CD), adigital versatile disc (DVD), a floppy disk, a cartridge, a magnetictape, and/or another type of non-transitory computer-readable medium,along with a corresponding drive.

Input component 350 includes a component that permits device 300 toreceive information, such as via user input (e.g., a touch screendisplay, a keyboard, a keypad, a mouse, a button, a switch, and/or amicrophone). Additionally, or alternatively, input component 350 mayinclude a sensor for sensing information (e.g., a global positioningsystem (GPS) component, an accelerometer, a gyroscope, a force sensor, astrain gauge, an inclinometer, a goniometer, and/or an actuator). Outputcomponent 360 includes a component that provides output information fromdevice 300 (e.g., a display, a speaker, and/or one or morelight-emitting diodes (LEDs)).

Communication interface 370 includes a transceiver-like component (e.g.,a transceiver and/or a separate receiver and transmitter) that enablesdevice 300 to communicate with other devices, such as via a wiredconnection, a wireless connection, or a combination of wired andwireless connections. Communication interface 370 may permit device 300to receive information from another device and/or provide information toanother device. For example, communication interface 370 may include anEthernet interface, an optical interface, a coaxial interface, aninfrared interface, a RF interface, a universal serial bus (USB)interface, a Wi-Fi interface, a cellular network interface, a Bluetoothinterface, a BLE interface, and/or the like.

Device 300 may perform one or more processes described herein. Device300 may perform these processes based on processor 320 executingsoftware instructions stored by a non-transitory computer-readablemedium, such as memory 330 and/or storage component 340. Acomputer-readable medium is defined herein as a non-transitory memorydevice. A memory device includes memory space within a single physicalstorage device or memory space spread across multiple physical storagedevices.

Software instructions may be read into memory 330 and/or storagecomponent 340 from another computer-readable medium or from anotherdevice via communication interface 370. When executed, softwareinstructions stored in memory 330 and/or storage component 340 may causeprocessor 320 to perform one or more processes described herein.Additionally, or alternatively, hardwired circuitry may be used in placeof or in combination with software instructions to perform one or moreprocesses described herein. Thus, implementations described herein arenot limited to any specific combination of hardware circuitry andsoftware.

The number and arrangement of components shown in FIG. 3 are provided asan example. In practice, device 300 may include additional components,fewer components, different components, or differently arrangedcomponents than those shown in FIG. 3. Additionally, or alternatively, aset of components (e.g., one or more components) of device 300 mayperform one or more functions described as being performed by anotherset of components of device 300.

FIG. 4 is a flow chart of an example process 400 for security associatedwith a transaction card. In some implementations, one or more processblocks of FIG. 4 may be performed by transaction card 210. In someimplementations, one or more process blocks of FIG. 4 may be performedby another device or a group of devices separate from or includingtransaction card 210, such as transaction terminal 220, user device 230,and/or transaction backend 250.

As shown in FIG. 4, process 400 may include monitoring movement of atransaction card via a sensor of a transaction card during a trackingperiod (block 410). For example, transaction card 210 may monitor themovement of transaction card 210 via a sensor, or a combination ofmultiple sensors, of transaction card 210. In some implementations,transaction card 210 may monitor movement of transaction card 210 duringthe tracking period (in other words, the tracking period may begin basedon at least one of detecting movement of transaction card 210, based ona calibration period ending, based on transaction card 210 being poweredon, based on instructions from one or more components of environment200, and/or the like). The sensor may monitor the movement oftransaction card 210 by making measurements associated with the movementof transaction card 210.

As described above, the sensor of transaction card 210 may include atleast one of an accelerometer, a gyroscope, a force sensor, a straingauge, an inclinometer, a goniometer, a microphone, and/or the like thatmeasures a change in orientation, a change in position, change inrotation, change in altitude, a vibration and/or the like of transactioncard 210 over time. Accordingly, the sensor may provide informationrepresentative of the movement of transaction card 210. According tosome implementations, transaction card 210 may monitor, via the sensor,movement based on a change in orientation, position, rotation, altitude,and/or the like.

According to some implementations, a tracking period includes a periodof time during which transaction card 210 is to verify that a user oftransaction card 210 is an authorized user or an unauthorized user. Forexample, during the tracking period, transaction card 210 is to verifyor confirm that a user of transaction card 210 is an authorized user toprevent fraudulent use of transaction card 210. According to someimplementations, transaction card 210 may be used to verify or confirman authorized user is in possession of transaction card 210 based on agait of the user in possession of transaction card 210, as describedherein.

In this way, transaction card 210 may monitor movement of transactioncard 210 to determine measurements of a gait of a user (or cardholder).

As further shown in FIG. 4, process 400 may include determiningmeasurements of a gait of a user during the tracking period from themovement of the transaction card during the tracking period (block 420).For example, transaction card 210 may determine measurements of a gaitof a user during the tracking period based on movement of transactioncard 210 during the tracking period. In some implementations,transaction card 210 determines the measurements of the gait of the userbased on monitoring and/or detecting the movement of transaction card210.

As used herein, a user of a transaction card may refer to an individualor entity in possession of transaction card 210. Accordingly, a user maybe an authorized user (e.g., a user that is authorized to usetransaction card 210 in transactions) or an unauthorized user (e.g., auser that is not authorized to use transaction card 210 intransactions). In some implementations, a user may be an authorized userof transaction card 210 based on being associated with a security key(e.g., an access key to access secure areas) of transaction card 210,based on being associated with an account (e.g., a financial account, arewards account, and/or the like) of transaction card 210, based onbeing associated with an individual having a security key and/or anaccount of transaction card 210, and/or the like.

As used herein, the gait of the user corresponds to the manner in whichthe user is moving. In some implementations, measurements of the gait ofthe user may be relative to the manner in which the user is holdingand/or possessing transaction card 210. For example, transaction card210 may determine that measurements of the gait of the user whentransaction card 210 is carried in a pocket of the user's clothing maybe different than measurements of the gait of the user when transactioncard 210 is carried in a hand of the user, a wallet of the user, a bagof the user, a lanyard of the user, a keychain of the user, etc.Accordingly, despite the fact that a user moves in a similar manner, howthe user is in possession of transaction card 210 may cause transactioncard 210 to determine different measurements of the gait of the user.

In some implementations, the measurements of the gait of the user may beextracted from information or data from the sensor that indicates thegait of the user. Accordingly, the measurements may be values and/orreadouts from the sensors representative of the movement of transactioncard 210. Based on particular movements of transaction card 210,measurements corresponding to a gait of the user may be detected and/orobtained to determine the gait of the user. Such measurements may becompared to a gait signature as described herein.

In this way, transaction card 210 may determine measurements of a gaitof a user during a tracking period to permit transaction card 210 tocompare the measurements to a gait signature associated with transactioncard 210.

As further shown in FIG. 4, process 400 may include comparing themeasurements of the gait of the user during the tracking period and agait signature associated with the transaction card (block 430). Forexample, transaction card 210 may compare the measurements of the gaitof the user and one or more gait signatures associated with anauthorized user of transaction card 210. In some implementations,transaction card 210 may compare the measurements of the gait of theuser and the one or more gait signatures based on determining themeasurements of the gait of the user, receiving a gait signature fortransaction card 210, detecting an interaction with transaction terminal220 (e.g., to initiate a transaction), and/or the like.

In some implementations, a gait signature associated with transactioncard 210 may be a signature (e.g., one or more series or sequences ofmeasurements or values) associated with a measured gait of one or moreauthorized users of transaction card 210. In some implementations, thegait signature may include multiple gait signatures. For example, themultiple gait signatures associated with transaction card 210 mayrepresent multiple different manners (e.g., in a hand, in a pocket, in awallet, in a bag, on a lanyard, on a keychain, and/or the like) in whichtransaction card 210 was carried and/or possessed by one or moreauthorized users of transaction card 210 during a calibration period(e.g., a time period for determining gait signatures of authorizedusers). Accordingly, one or more of a plurality of gait signatures maycorrespond to gait measurements of a plurality of different users.Accordingly, a gait signature may include multiple signaturesrepresentative of multiple measurements of a gait of one or moreauthorized users of transaction card 210. As such, transaction card 210may be associated with multiple authorized users and, thus, store one ormore gait signatures for each the authorized users.

Transaction card 210 may locally store the gait signature in a memory oftransaction card 210. In some implementations, transaction card 210generates the gait signature during a calibration period, which may takeplace prior to the tracking period. Additionally, or alternatively,transaction card 210 measures movement of transaction card 210 duringthe calibration period and transmits measurements associated with themovement to transaction backend 250, which generates the gait signaturebased on the measurements associated with the movement (i.e., based onmovement of transaction card 210 during the calibration period). In suchinstances, transaction backend 250 may provide the gait signature totransaction card 210. In some implementations, transaction card 210 mayinitiate a calibration period or measure one or more gait signaturesduring a calibration period based on an activation of transaction card210, based on instructions from user device 230 (e.g., via anapplication), based on user input, and/or the like.

According to some implementations, transaction card 210 may compare themeasurements of the gait and the gait signature by determining whetherthe measurements of the gait of the user match the gait signature or aredifferent than the gait signature. In some implementations, transactioncard 210 may determine whether the measurements of the gait of the usersatisfy a threshold variation of the gait signature. For example,transaction card 210 may determine that values of the measurements ofthe gait of the signature match a threshold number of values in the gaitsignature. Accordingly, as long as a threshold variation of the gaitsignature is satisfied, transaction card 210 may determine that themeasurements of the gait of the user satisfies the threshold variationof the gait signature. As an example, transaction card 210 may determinemeasurements of the gait of the user matches the gait signature if athreshold percentage (e.g., 70%, 80%, 90%, etc.) of the values match thevalues of the gait signature.

According to some implementations, transaction card 210 compares themeasurements of the gait of the user and the gait signature to determinewhether the user is an authorized user or an unauthorized user. Forexample, transaction card 210 may determine that the user is anauthorized user when the measurements of the gait of the user match (orsatisfy a threshold variation of) the gait signature. On the other hand,transaction card 210 may determine that the user is an unauthorized userwhen the measurements of the gait of the user do not match (or do notsatisfy a threshold variation of) the gait signature.

In some implementations, when the gait signature includes multiple gaitsignatures (a plurality of gait signatures), transaction card 210 maycompare the measurements of the gait of the user to one or more of theplurality of the gait signatures. In such cases, transaction card 210may iteratively compare the measurements of the gait of the user to oneof the gait signatures until either a threshold variation is satisfied(e.g., a match is found) or all gait signatures have been compared tothe measurements of the gait of the user. If a match is found,transaction card 210 may determine that the user is an authorized user.If a match is not found with any of the gait signatures (e.g., after allgait signatures were compared to the measurements of the gait of theuser), transaction card 210 may determine that the user is not anauthorized user.

In this way, transaction card 210 may compare the measurements of thegait of the user and a gait signature to enable transaction card 210 toperform an action associated with transaction card 210.

As further shown in FIG. 4, process 400 may include performing an actionassociated with transaction card 210 based on a result of comparing themeasurements of the gait of the user during the tracking period and thegait signature (block 440). For example, transaction card 210 mayperform the action based on the result of comparing the measurements ofthe gait and the gait signature. In some implementations, transactioncard 210 may perform the action based on the tracking period ending.

In some implementations, transaction card 210 may perform an action toenable transaction card 210 to be used in a transaction or disabletransaction card 210 from being used in a transaction. As describedabove, transaction card 210 may be used to process a transaction. Asused herein, a transaction includes a process that involves an exchangeof a transaction token (e.g., a key value, a code value, a parametervalue, a signature value, a biometric token, a payment token, and/or thelike) that represents and/or verifies information (e.g., accessinformation, account information, and/or the like) associated with auser associated with transaction card 210. Accordingly, examples of atransaction may include an authorization to enter a secure area, apayment for goods and/or services, a withdrawal or deposit of cash, aredemption of rewards, and/or the like.

In some implementations, transaction card 210 may perform an actioninvolving disabling or enabling a function of transaction card 210 basedon the result of comparing the measurements of the gait of the user andthe gait signature. For example, transaction card 210 may disable afunction of transaction card 210 based on determining that themeasurements of the gait of the user do not satisfy a thresholdvariation of the gait signature and/or enable a function of transactioncard 210 based on determining that the measurements of the gait of theuser satisfy the threshold variation of the gait signature. Suchfunctions may include a function that causes a device to permit aparticular action to occur (e.g., a function that provides an access keyto a security device (e.g., transaction terminal 220) to enable accessto a secure area, a function that provides a payment token totransaction terminal 220 to process a financial transaction, and/or thelike), a function that unlocks a security device of transaction card 210(e.g., a device that enables or disables operation of transaction card210), a function that powers transaction card 210, and/or the like.

In some implementations, transaction card 210 may perform an actioninvolving transmitting a notification (e.g., a text, a message, data, analert, an image, an audio file, a video file, and/or the like)indicating a status (e.g., available for use in transactions orunavailable for use in transactions) of transaction card 210 to a devicein communication with transaction card 210. For example, if themeasurements of the gait of the user and the gait signature are not amatch, transaction card 210 may transmit a notification to user device230 and/or transaction backend 250 indicating that transaction card 210may be in the possession of an unauthorized user. In such instances,user device 230 and/or transaction backend 250 may control securitydevices and/or notify security devices (e.g., transaction terminal 220)to prevent transaction card 210 from being used in transactions. In somecases, transaction backend 250 and/or user device 230 may take measuresto attempt to identify the unauthorized user. For example, assumingtransaction backend 250 includes a security system, transaction backend250 may capture images of the unauthorized user using cameras neartransaction terminal 220 when the unauthorized user attempts to usetransaction card 210 at transaction terminal 220 in a transaction.

In this way, transaction card 210 may perform an action based on a gaitof a user and a gait signature according to some implementationsdescribed herein.

Although FIG. 4 shows example blocks of process 400, in someimplementations, process 400 may include additional blocks, fewerblocks, different blocks, or differently arranged blocks than thosedepicted in FIG. 4. Additionally, or alternatively, two or more of theblocks of process 400 may be performed in parallel.

Accordingly, examples herein provide a transaction card that is capableof enabling and/or disabling functions of transaction card 210 toprevent fraudulent use of transaction card 210. As described herein,transaction card 210 may use sensors to measure a gait of a user inpossession of transaction card 210, compare measurements of the gait ofthe user and a gait signature of the user, and activate or deactivatetransaction card 210 based on results of comparing the measurements ofthe gait of the user and the gait signature. For example, if themeasurements of the gait of the user do not match the gait signature,transaction card 210 may be disabled, and thus unable to be fraudulentlyused in transactions by unauthorized users. Accordingly, fraud may beavoided, as well as, resources used in correcting fraud, such asfinancial resources, computing resources, and/or network resources, maybe conserved.

The foregoing disclosure provides illustration and description, but isnot intended to be exhaustive or to limit the implementations to theprecise form disclosed. Modifications and variations are possible inlight of the above disclosure or may be acquired from practice of theimplementations.

As used herein, the term component is intended to be broadly construedas hardware, firmware, or a combination of hardware and software.

Some implementations are described herein in connection with thresholds.As used herein, satisfying a threshold may refer to a value beinggreater than the threshold, more than the threshold, higher than thethreshold, greater than or equal to the threshold, less than thethreshold, fewer than the threshold, lower than the threshold, less thanor equal to the threshold, equal to the threshold, or the like.

It will be apparent that systems and/or methods, described herein, maybe implemented in different forms of hardware, firmware, or acombination of hardware and software. The actual specialized controlhardware or software code used to implement these systems and/or methodsis not limiting of the implementations. Thus, the operation and behaviorof the systems and/or methods were described herein without reference tospecific software code—it being understood that software and hardwarecan be designed to implement the systems and/or methods based on thedescription herein.

Even though particular combinations of features are recited in theclaims and/or disclosed in the specification, these combinations are notintended to limit the disclosure of possible implementations. In fact,many of these features may be combined in ways not specifically recitedin the claims and/or disclosed in the specification. Although eachdependent claim listed below may directly depend on only one claim, thedisclosure of possible implementations includes each dependent claim incombination with every other claim in the claim set.

No element, act, or instruction used herein should be construed ascritical or essential unless explicitly described as such. Also, as usedherein, the articles “a” and “an” are intended to include one or moreitems, and may be used interchangeably with “one or more.” Furthermore,as used herein, the term “set” is intended to include one or more items(e.g., related items, unrelated items, a combination of related andunrelated items, etc.), and may be used interchangeably with “one ormore.” Where only one item is intended, the term “one” or similarlanguage is used. Also, as used herein, the terms “has,” “have,”“having,” or the like are intended to be open-ended terms. Further, thephrase “based on” is intended to mean “based, at least in part, on”unless explicitly stated otherwise.

What is claimed is:
 1. A smart transaction card, comprising: a sensor tomeasure movement of the smart transaction card, the smart transactioncard being a physical card, the sensor being disposed within the smarttransaction card; one or more memories; a communication interface forenabling a transaction to be performed with a transaction terminal, thecommunication interface including at least one of: a magnetic strip, anintegrated circuit (IC) chip, or a radio frequency (RF) antenna; and oneor more processors, communicatively coupled to the one or more memories,to: monitor the movement of the smart transaction card via the sensorduring a tracking period; determine measurements of a gait of a userduring the tracking period from the movement of the smart transactioncard during the tracking period; compare the measurements of the gait ofthe user during the tracking period and gait signatures associated witha plurality of authorized users, the plurality of authorized usersincluding the user and at least one user different from the user;perform an action associated with the smart transaction card based on aresult of comparing the measurements of the gait of the user during thetracking period and the gait signatures and based upon detecting atransaction, the action enabling the smart transaction card to be usedin the transaction with the transaction terminal or disabling the smarttransaction card from being used in the transaction; and transmit anotification to the transaction terminal indicating a status of anunauthorized use of the smart transaction card.
 2. The smart transactioncard of claim 1, where the one or more processors are further to:determine whether the measurements of the gait of the user during thetracking period satisfy a threshold variation of one or more of the gaitsignatures.
 3. The smart transaction card of claim 1, where the one ormore processors, when performing the action associated with the smarttransaction card, are to: transmit another notification indicating thestatus of the unauthorized use of the smart transaction card to a devicein communication with the smart transaction card based on the gaitsignatures and the measurements of the gait of the user during thetracking period.
 4. The smart transaction card of claim 1, where the oneor more processors, when comparing the measurements of the gait of theuser during the tracking period and the gait signatures associated withthe smart transaction card plurality of authorized users, are to:compare the measurements of the gait of the user during the trackingperiod to one or more of the gait signatures.
 5. The smart transactioncard of claim 1, where the gait signatures correspond to the smarttransaction card being carried by the plurality of authorized usersduring a calibration period, where the calibration period occurs priorto the tracking period.
 6. The smart transaction card of claim 1, wherethe gait signatures correspond to the smart transaction card beingcarried by the user in a plurality of different manners during acalibration period, where the calibration period occurs prior to thetracking period.
 7. The smart transaction card of claim 6, where thecalibration period is initiated based on at least one of: an activationof the smart transaction card, user input, or instructions from a userdevice.
 8. The smart transaction card of claim 1, where the one or moreprocessors are further to: communicate to a security device that themeasurements of the gait of the user during the tracking period do notsatisfy a threshold variation of one or more of the gait signatures tocause the security device to disable access to the transaction terminalusing the smart transaction card.
 9. The smart transaction card of claim1, where the smart transaction card is one of: an access card, a creditcard, a debit card, a gift card, an automated teller machine (ATM) card,a rewards card, or a client loyalty card.
 10. A non-transitorycomputer-readable medium storing instructions, the instructionscomprising: one or more instructions that, when executed by one or moreprocessors, cause the one or more processors to: obtain gait signaturesassociated with a plurality of authorized users, the plurality ofauthorized users including a user and at least one user different fromthe user; monitor movement of a smart transaction card via a sensor ofthe smart transaction card during a tracking period, the sensor beingdisposed within the smart transaction card, the smart transaction cardbeing a physical card; determine measurements of a gait of the userduring the tracking period from the movement of the smart transactioncard; compare the measurements of the gait of the user and gaitsignatures associated with the plurality of authorized users; perform anaction associated with the smart transaction card based on a result ofcomparing the measurements of the gait of the user of the trackingperiod and the gait signatures and based upon detecting a transactionwith a transaction terminal, the action enabling the smart transactioncard to be used in the transaction with the transaction terminal ordisabling the smart transaction card from being used in the transaction;and transmit a notification to the transaction terminal indicating astatus of an unauthorized use of the smart transaction card.
 11. Thenon-transitory computer-readable medium of claim 10, where the one ormore instructions, when executed by the one or more processors, furthercause the one or more processors to: generate the gait signatures basedon movement of the smart transaction card during a calibration period,where the calibration period occurs prior to the tracking period. 12.The non-transitory computer-readable medium of claim 10, where each ofthe gait signatures are different.
 13. The non-transitorycomputer-readable medium of claim 12, where the gait signaturescorrespond to the smart transaction card being carried by the user in aplurality of different manners during a calibration period, where thecalibration period occurs prior to the tracking period.
 14. Thenon-transitory computer-readable medium of claim 12, where the gaitsignatures correspond to the smart transaction card being carried by theplurality of authorized users during a calibration period, where thecalibration period occurs prior to the tracking period.
 15. Thenon-transitory computer-readable medium of claim 10, where the smarttransaction card is one of: an access card, a credit card, a debit card,a gift card, an automated teller machine (ATM) card, a rewards card, ora client loyalty card.
 16. A method performed by a smart transactioncard, the method comprising: monitoring movement of the smarttransaction card via a sensor of the smart transaction card during atracking period, the smart transaction card being a physical card;determining measurements of a gait of a user during the tracking periodfrom the movement of the smart transaction card during the trackingperiod; comparing the measurements of the gait of the user during thetracking period and gait signatures associated with a plurality ofauthorized users, the plurality of authorized users including the userand at least one user different from the user; determining that themeasurements of the gait of the user during the tracking period do notsatisfy a threshold variation of one or more of the gait signatures;disabling a function of the smart transaction card based on determiningthat the measurements of the gait of the user during the tracking perioddo not satisfy the threshold variation of the one or more of the gaitsignatures and based upon detecting a transaction with a transactionterminal; and transmitting a notification to the transaction terminalindicating a status of an unauthorized use of the smart transactioncard.
 17. The method of claim 16, further comprising: monitoring themovement of the smart transaction card via the sensor during acalibration period; determining measurements of the gait of the userduring the calibration period from the movement of the smart transactioncard during the calibration period; and generating a gait signature forthe user based on the measurements of the gait of the user during thecalibration period.
 18. The method of claim 16, further comprising:measuring the movement of the smart transaction card via the sensorduring a calibration period; and transmitting measurements of themovement of the smart transaction card to a gait signature generator tocause the gait signature generator to generate the gait signatures basedon the movement of the smart transaction card during the calibrationperiod.
 19. The method of claim 16, further comprising: communicating toa security device that the measurements of the gait of the user duringthe tracking period do not satisfy the threshold variation of the one ormore of the gait signatures to cause the security device to disableaccess to the transaction terminal using the smart transaction card. 20.The method of claim 16, where the function comprises at least one of: afunction that causes a device to permit a particular action to occur; afunction that unlocks a security device of the smart transaction card;or a function that powers the smart transaction card.